Welcome to my channel. I'm Sam Curmaci, a fee only Fiduciary who has been profitably advising clients since 1996. Most of my new clients are from the Grocery Sector. Since 2016 I learned everything about your ESOP, Voya 401K & how to avoid the 10% early withdrawal penalty. My videos are designed to be educational with some humor. You will see I'm not a professional actor nor video editor. Just someone who has advised hundreds of your associates to make a retirement decision that is best for them. If you have questions about a video or would like to discuss the possibility of working together, you can schedule a chat by entering in your browser, www.chatwithsac.com You can also Subscribe to my YouTube channel to receive notification of future videos.